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The first payment is called interest adjustment.

yushichong(鱼是虫)

Every bank does the same thing, you cant do nothing about it. As the advance date varies from person to person, it will be like hell if the banks calculate from your exact advancement date. So the banks usually use the last day of each month as a cut off date. As your closing day is at the beginning of the month ,you will have to pay for the interest for the balance of the month. If your closing was 28th of the month, you only have to pay for a couple days..

2. dont understand the situation, no comments.

(#2112077@0)
Last Updated: 2005-2-6
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枫下家园 / 住房话题 /
tor
Toronto Area

关于mortgage,weekly pay和monthly pay有什么大的不同吗？ -biwt2(mike); 2005-2-2 {186} (#2106478@0)
关于mortgage,weekly pay和monthly pay有什么大的不同吗？我问了两个朋友,他们说weekly pay 会更经济，而且会更快把钱还清，但我按网上公式算了一下，只相差几百块钱，麻烦朋友们告知我该选择那一种。

几百块钱也是钱啊，朋友。 :) -dundas888(登达寺); 2005-2-2 (#2106499@0)

我看大多数人都用monthly pay的。 -biwt2(mike); 2005-2-2 (#2106588@0)

可能不止，你找会计师算算？上次有朋友帮我算了一下，2周付一次，要比1个月付一次提早3年多供完，省好多钱吧？ -deeply(deeply); 2005-2-2 (#2106592@0)

如果我设定25年还清,为什么weekly可以提前好几年.当然你想多还款monthly也可以做到的。 -biwt2(mike); 2005-2-2 (#2106603@0)

我也不清楚是怎么算的，最后我就选了每2周付一次钱。估计是2周付半个月的钱，这样1年等于付了13个月的钱，多付1个月的供款。 -deeply(deeply); 2005-2-2 (#2106755@0)

我问过银行了,weekly pay 本质上就是一个月比monthly pay多还款,当然会提前供清了 -biwt2(mike); 2005-2-3 (#2108059@0)

The only way to save is by paying whenever you have money. We get paid by-weekly, of course it's better to choose by-weekly pay option. -apuma(apuma); 2005-2-3 (#2107321@0)
No big difference. With monthly payment, you still have a 15/15 or 20/20 option if you want to pay back faster. -rollor(Rollor); 2005-2-3 (#2107371@0)
猜一下：一半的钱少15天左右的利息，应该还是不少的。 -cuptea(一壶茶雨前龙井); 2005-2-3 (#2107374@0)
这是timing value的问题，因为利息的计算都是复利，所以pay的次数越多越划算。 -liancheng(兔子的汤的汤); 2005-2-3 (#2108663@0)
不计复利的因素, 就本金来看,monthly pay, 一年还款12次, weekly pay,一年还款54次. -longwinter(冰糖葫芦); 2005-2-3 (#2108694@0)

今天跟银行谈了,又遇到两个问题. -biwt2(mike); 2005-2-6 {320} (#2111851@0)
今天跟银行谈了,又遇到两个问题.
1.他说从closing day 开始要过三个星期后我银行才让我付本金,也就是说前三个礼拜全部付利息.
2.他给我设定了一个还款额,(没跟我商量)我嫌低,他说可以在mortgage正式运作后再申请调整，我担心那个调整时间拖得太长。
请问各位这两个情况是不是银行的trick,如果是正常的，我也服了，如果不是，我要再与他们谈。

在线等. -biwt2(mike); 2005-2-6 (#2111856@0)
1. 听起来不太合理啊，银行有啥理由这样做吗？ 2。可调整与否要看agreement, 如果还没签，为何不现在调整？ -whatwhenwherewhy(一生何求); 2005-2-6 (#2111949@0)

1.他说是上面审批过程需要那么长,但我也不太清楚既然已经同意贷给我了,为何不能马上开始还本金. 2.不是主要问题.我是fully open 的。 -biwt2(mike); 2005-2-6 (#2112042@0)

The first payment is called interest adjustment. -yushichong(鱼是虫); 2005-2-6 {514} (#2112077@0)
Every bank does the same thing, you cant do nothing about it. As the advance date varies from person to person, it will be like hell if the banks calculate from your exact advancement date. So the banks usually use the last day of each month as a cut off date. As your closing day is at the beginning of the month ,you will have to pay for the interest for the balance of the month. If your closing was 28th of the month, you only have to pay for a couple days..

2. dont understand the situation, no comments.
嫌低的意思是你有闲钱想多付吧,那你就签一年活动的,这样一有闲钱就可以放入,全算本金.另外,我是周付的,感觉就是月初不用一下出那么多钱. -bonniecnca(平常心); 2005-2-6 (#2112583@0)
正常操作.你可以放心. -gentleknife(汤汤); 2005-2-6 (#2112773@0)

正常操作吗?我今天push银行了,他就把我的可付本金时间提前了.这中间还是有水分的可挤压的. -biwt2(mike); 2005-2-7 (#2114442@0)

请问为什么weekly一年要多两次pay? -maple88(枫叶); 2005-2-6 (#2111865@0)

他算成扑克牌了。 -647i(盲人协会); 2005-2-6 (#2111900@0)

那就是说还有大怪pay和小怪pay? -maple88(枫叶); 2005-2-6 (#2111907@0)

haha。 -647i(盲人协会); 2005-2-6 (#2111938@0)

@Ontario

The first payment is called interest adjustment.

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